초록

Internet use grew faster than any other technology in the last few years and it has a powerful impact on international commerce development. New opportunities appear for small and medium companies which use the internet to make commerce across the borders. Citizens save their time and money making payments on the internet, ordering goods and services using their home computers. With all this advantages, a wide variety of barriers show up and disturb the internet activity. Using the internet, companies can be affected by the losses of revenues, losses of information, security dates, reputation damage, interruption of activity, theft of private information, etc. To cover all this internet risks, insurers develop new products in order to meet all the company and citizens expectations.